Mulya.ai
Ticker
C
Scenario
Key Inputs
Revenue est.?Analysttaper yr4
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?18.7%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.115
Beta (levered) ?3.000
Terminal OM% ?21.0%
Segment conc. ?27% dominant
Terminal growth ?4.1%
Bond rating ?D · 15.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

C · Citigroup Inc.

$141.682026-07-21
Sector: Financial Services; Industry: Banks - Diversified; Sub-Industry: Diversified Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$0
-266.0% vs market
Base · active
$0
-326.2% vs market
Bear
$0
-331.3% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $-328
Base $-320
Bull $-235
Market $142
Median $145
Market Price $142
Mulya.ai Base $-320
Analysts Median $145
Mulya.ai IV range ($-328 · $-235)
Analysts Range ($87 · $165)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$155.4B8.3%27.8%$9.3B−$84.7B−$75.4B16.7%3.1%$297.6B$5.20
2024.Q4$155.4B0.0%8.3%24.7%$9.7B−$61.2B−$51.5B12.2%3.2%$301.1B$5.20
2025.Q1$170.7B9.9%10.0%24.6%$12.9B−$101.1B−$88.3B17.8%3.5%$433.4B$7.14
2025.Q4$170.7B0.0%10.0%27.1%$12.4B−$112.2B−$99.8B10.8%3.6%$252.7B$7.14
2026.Q1$171.2B0.3%12.8%25.6%$16.3B−$67.6B−$51.3B18.8%2.7%$936.5B$9.0011.5
italics below = DCF projection · 10yr Rev CAGR: -2.1%
2027.Q1$95.7B+-44.1%22.9%25.1%$16.4B$0MM$16.4B17.8%$14.0B1.8%$936.5B$9.2615.3
2028.Q1$99.7B+4.2%26.0%24.5%$19.5B$0MM$19.5B16.9%$14.2B2.1%$936.5B$11.0012.9
2029.Q1$103.9B+4.2%28.9%23.9%$22.8B$0MM$22.8B16.0%$14.3B2.4%$936.5B$12.8611.0
2030.Q1$108.3B+4.2%32.2%23.4%$26.7B$0MM$26.7B15.0%$14.5B2.9%$936.5B$15.059.4
2031.Q1$112.8B+4.2%32.2%22.8%$28.0B$0MM$28.0B14.1%$13.4B3.0%$936.5B$15.799.0
Term. Yr+$143.7B4.1%21.0%20.0%$24.1B−$11.5B$12.6B8.6%$78.1B8.6%
Active scenario IV: $0 (-326.2% vs market)